538 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 538 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1 ba · 1,200 sqft · built 1940
Lot Size	0.097 acres (4,230 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Jun 2026)
Tax Bill	$2,155 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-009615`

Property Details

APN / Parcel Number

Primary APN	`07-009615`
Alternative APNs	`7009615` `009615`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,200 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,230 sqft (0.097 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	009615
Street Address	538 WILLOW AVE
City	WESTMINSTER
State	MD
Zip	21157-6238
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-100
Legal Description	LTS 13,15 - 4230 SF 538 WILLOW AVE 2-15 BUCKINGHAM VIEW SC E
Legal Subdivision	WESTMINSTER
Legal Lot Number	13,15
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2034
Census Tract	507602

Owner

538 Willow Ave, a townhouse, is owned and occupied by an individual who bought it in June 2026.

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	538 WILLOW AVE, WESTMINSTER, MD 21157-6238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Feb 12, 1997
Deed Book / Page	11787 / 419
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 10, 2026
Property Address	538 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	1178000419
Book / Page	11787 / 419
Instrument Date	Apr 15, 2026
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	1178000427,
Date	Jun 10, 2026
Book Page	11787/427

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	1178000447,
Date	Jun 10, 2026
Book Page	11787/447

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 538 Willow Ave was $2,155, up 5.1% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,155.00 (+5.12%)	$199,900 (+6.09%) Land $70,000 Building $129,900	$199,900 (-) Land $70,000 Building $129,900
2025	$2,050.00 Homeowner's exemption	$188,433	$199,900 Land $70,000 Building $129,900
2023	$1,870.00 Homeowner's exemption	$165,500 Land $70,000 Building $95,500	$165,500 Land $70,000 Building $95,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 538 Willow Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1979–1981)
Most Recent Claim	Oct 1981 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 538 Willow Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Ting, Verizon.

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